Call reports 2015
CITIZENS NATIONAL BANK AT BROWNWOOD — 2015
What CITIZENS NATIONAL BANK AT BROWNWOOD reported to the FFIEC in 2015, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Total assets | 200,157,000 | 201,324,000 | 206,397,000 | 208,076,000 |
| Total loans | 117,688,000 | 118,625,000 | 118,803,000 | 117,169,000 |
| Allowance for loan losses | 1,791,000 | 1,868,000 | 1,939,000 | 1,231,000 |
| Securities available for sale | 33,306,000 | 30,586,000 | 30,248,000 | 29,176,000 |
| Securities held to maturity | 25,678,000 | 25,633,000 | 24,555,000 | 28,868,000 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 174,276,000 | 175,212,000 | 179,861,000 | 182,579,000 |
| Interest-bearing deposits | 105,172,000 | 107,165,000 | 110,741,000 | 114,374,000 |
| Noninterest-bearing deposits | 69,104,000 | 68,047,000 | 69,120,000 | 68,205,000 |
| Equity capital | 24,690,000 | 24,829,000 | 25,177,000 | 24,331,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Interest income | 1,861,000 | 3,696,000 | 5,564,000 | 7,477,000 |
| Interest expense | 62,000 | 124,000 | 186,000 | 250,000 |
| Net interest income | 1,799,000 | 3,572,000 | 5,378,000 | 7,227,000 |
| Noninterest income | 366,000 | 784,000 | 1,224,000 | 1,594,000 |
| Noninterest expense | 1,130,000 | 2,255,000 | 3,392,000 | 4,560,000 |
| Provision for loan losses | 75,000 | 150,000 | 225,000 | 1,100,000 |
| Pretax income | 960,000 | 1,951,000 | 2,985,000 | 3,161,000 |
| Income tax | 0 | 0 | 0 | 0 |
| Net income | 960,000 | 1,951,000 | 2,985,000 | 3,161,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2015Q1 | 2015Q2 | 2015Q3 | 2015Q4 |
|---|---|---|---|---|
| Tier 1 capital | 24,355,000 | 24,591,000 | 24,833,000 | 24,190,000 |
| Total capital | 25,852,000 | 26,121,000 | 26,456,000 | 25,421,000 |
| Risk-weighted assets | 119,466,000 | 122,033,000 | 129,560,000 | 130,144,000 |